Dr. Roque Martinez, DBA

Clients of BNY will be able to invest in money market funds whose ownership will be recorded on Goldman's blockchain platform.

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Overview The Unleashing AI Innovation in Financial Services Act (H.R. 4801 in the House and S. 2528 in the Senate) is a bipartisan bill introduced on July 30, 2025. It aims to accelerate AI adoption in U.S. financial services by creating a regulated framework for testing AI solutions without risking immediate enforcement action. Key Provisions 1. Creation of AI Innovation Labs (Regulatory Sandboxes) Federal financial regulators—including the Federal Reserve, FDIC, OCC, SEC, CFPB, NCUA, and FHFA—must establish AI Innovation Labs to allow financial institutions to pilot AI projects in a controlled environment without facing enforcement actions, provided eligibility requirements are met. 2. Application Process for AI Test Projects Financial institutions must apply through their regulators, describing the AI project, any requested regulatory waivers, and proposed alternative compliance methods. 3. Eligibility Criteria Projects must serve the public interest (including consumer protection), improve operational efficiency or competitiveness, and pose no systemic risk to the U.S. financial system. 4. Bipartisan Support and Strategic Alignment The Act has strong bipartisan backing and aligns with federal goals to balance AI innovation with robust consumer safeguards. Summary Table Component Details What Establish AI Innovation Labs (regulatory sandboxes) at financial regulatory agencies Who Agencies: Fed, FDIC, OCC, SEC, CFPB, NCUA, FHFA Why Enable AI experimentation while maintaining consumer protection and system safety How to Participate Submit application with project details and waiver proposals Key Requirements Public interest, efficiency gains, no systemic risk

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Technology that succeeds in an isolated lab setting will appear very different from the one that is commercially adopted at scale and will take much longer. https://lnkd.in/gJcfjJZU

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The American Innovation Engine Is Still Running On last week’s Making Money with Charles Payne, I spoke about the cultural and business roots that allow companies like #NVIDIA, #Amazon and #Meta Platforms to scale at a global level from here in the U.S. With fewer barriers to failure, lots of ready capital, and more room to innovate, we’re seeing the American dream of entrepreneurship live on. I also discussed how the current market isn’t just about the “Mag Seven”—AI is beginning to seep into enterprise activity across the board and will eventually show up in better margins beyond the tech giants. Finally, I argued that “old‐school value investing,” which was successful when the US was much more manufacturing based with physical assets upon which to base value (1050’s-1990’s) is no longer a viable investment approach: 90% of the S&P 500 are companies with intangible assets - software, data, brands, etc. Traditional metrics have given  way to free cash flow, scalability and fungible assets. If you’d like to dive deeper into how these dynamics shape portfolio strategy, please get in touch at bd8cap.com/contact-us/ #Investing #FinancialHealth #Innovation #SmartMoneyMoves #BD8Capital 

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📖 明快打字機: A Historian's Hunt for the Missing Link in Chinese Computing --A testament to human curiosity 🔗 [The New York Times](https://lnkd.in/gCF-3wJn) story by Veronique Greenwood In a fascinating global journey spanning 18 years, a dedicated historian unraveled the remarkable story of the MingKwai typewriter - a pivotal yet forgotten medium that bridged traditional Chinese language and modern computing. 🔍 Key Highlights: - 18-year research odyssey - Pioneering innovation before digital era - Technological breakthrough in language representation Further Exploration: - 🎙️ [NPR Article by Emily Feng](https://lnkd.in/gQbE4K7j) - 📝 [Made in China Journal by Yangyang Cheng](https://lnkd.in/gUQ_9fnR) #TechHistory #LinYutang

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FIS’ Michelle Henrich and BNY’s Carl Slabicki chart the shift in bank tech. Henrich recalls the old model: stitching multiple back-ends with mismatched XML/SOAP/REST - slow, brittle, and limiting APIs to must-have use. Slabicki outlines BNY’s platform model: build core capabilities once, centrally own them, and expose via APIs a single source of truth, less duplication, faster delivery. Slabicki also adds AI across the SDLC: drafting stories, seeding code, and generating/running tests—elevating people. The bottom line is fewer one-offs, more shared services, API-first. with AI as the accelerant. https://lnkd.in/eFNe8wZD #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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